Best car insurance in Lima

 The state of Ohio has more than eight million drivers. Every licenced driver in the Buckeye State, regardless of where they live, is required to carry a minimum amount of car insurance. The average annual cost of car insurance in Lima is $317 for a minimum coverage policy and $963 for a full coverage policy.

Best car insurance in Lima

Drivers looking for Lima car insurance can select from a number of providers. Some insurers, however, are superior to others. To find the best car insurance in Lima, we reviewed some of Ohio's largest car insurance companies and rated each one based on price, coverage options, and other factors.

Lima's top auto insurance companies
We discovered that the best car insurance companies in Lima are Erie, State Farm, MetLife, and USAA after conducting extensive research. We chose these providers because they have low rates, good coverage options, great discounts, and excellent ratings for overall customer satisfaction and financial strength.


J.D. Power named Erie the best car insurance company in the North Central region for overall customer satisfaction. Erie offers a number of free perks with every standard auto policy, in addition to excellent customer service and low rates. There is a rate lock guarantee, a vanishing deductible, first accident forgiveness, pet coverage, new car protection, and other benefits.

State Farm

State Farm is one of Lima's most affordable car insurance providers. The company is well-known for its generous discounts, particularly those aimed at young drivers. State Farm has two safe driver reward programmes, one of which is geared toward young drivers under the age of 25. State Farm also provides standard discounts for policy bundling, good grades, driving a safe vehicle, and many other things.


MetLife is well-known for its home insurance products, but the company also provides excellent car insurance. MetLife's rates are slightly higher than the average premium in Lima, but the company offers a few discounts to help you save even more money. MetLife stands out among the providers we reviewed for its endorsement policies, which include identity theft coverage, new car replacement, special parts coverage, enhanced car rental car coverage, and more.


Drivers in Lima can only obtain USAA coverage if they are members of the military. However, USAA has some of the city's lowest rates and the highest third-party ratings. Lima drivers can save money by parking their vehicle on base, bundling policies, being claim-free, being a legacy customer, insuring a new vehicle, taking a driver training course, and more through USAA. USAA also provides payment plans that are flexible.

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